Nissan Sentra Insurance Rates

Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

U.S. average insurance rates for a Nissan Sentra are $1,366 a year for full coverage. Comprehensive insurance costs around $244, collision insurance costs $566, and liability costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs $2,992 or more. Teens pay the highest rates at up to $5,216 a year.

Average premium for full coverage: $1,366

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Sentra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows average Nissan Sentra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $774
• Using higher $1,000 deductibles will save about $182 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,366
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $362 annually
• High-risk insureds with serious driving violations could pay at least $2,992
• The price that insures a 16-year-old driver with full coverage can be $5,216 or more

View Chart as Image

Insurance prices for a Nissan Sentra are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be from 44% to 138% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

The state you live in has a huge impact on Nissan Sentra insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $550 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Nissan Sentra Insurance

Getting lower rates on insurance for a Nissan Sentra requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Compare rates every time your policy renews by requesting rates from direct carriers, and also from several local insurance agents.

The following items are a recap of the information touched on above.

• Drivers can save up to $170 per year just by shopping early and online
• 16 to 18-year-old drivers pay higher prices, with premiums as much as $435 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $550 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,630 more every year than a driver with a clean driving record
• Insureds who may need additional liability coverage will pay approximately $440 each year to increase from a low limit to the 250/500 level

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

• Acura ILX
• Chevrolet Bolt
• Chevrolet Cruze

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020